*{
    margin:0;
    padding:0;
    box-sizing:border-box;
}

body{
    font-family:Arial,sans-serif;
    background:#f4f8fc;
    color:#222;
}

.container{
    width:90%;
    max-width:1200px;
    margin:auto;
}

/* ==========================================================
   TOP BAR
========================================================== */

.topbar{
    background:#0f172a;
    color:#fff;
    padding:8px 0;
    font-size:14px;
    text-align:center;
}

.topbar .container{
    display:flex;
    justify-content:center;
    gap:20px;
    flex-wrap:wrap;
}

/* ==========================================================
   HEADER
========================================================== */

.header{
    background:white;
    padding:15px 0;
    box-shadow:0 2px 10px rgba(0,0,0,0.1);
}

.nav{
    display:flex;
    justify-content:space-between;
    align-items:center;
    flex-wrap:wrap;
    gap:16px;
}

.header .container.nav{
    align-items:flex-start;
}

.header .nav > nav{
    flex:1 1 auto;
    order:2;
}

.header .nav > .logo{
    order:1;
}

.header .nav > .header-cta{
    order:3;
    margin-top:4px;
}

.logo{
    display:flex;
    align-items:center;
}

.logo a{
    display:inline-flex;
    align-items:center;
    text-decoration:none;
    font-size:32px;
    font-weight:700;
}

.site-logo{
    display:block;
    width:220px;
    height:auto;
    transition:0.25s ease;
}

.site-logo:hover{
    opacity:0.92;
}

.header nav{
    display:flex;
    align-items:center;
    justify-content:center;
    gap:4px;
    flex-wrap:wrap;
    row-gap:14px;
    width:100%;
}

nav a{
    text-decoration:none;
    color:#333;
    margin:0 8px;
    font-weight:600;
}

nav a:hover{
    color:#2563eb;
}

.header-cta a{
    background:#2563eb;
    color:white;
    padding:12px 20px;
    border-radius:8px;
    text-decoration:none;
    font-weight:600;
    white-space:nowrap;
}

.header-cta a:hover{
    background:#1d4ed8;
}

/* ==========================================================
   HEADER SEARCH (advanced, wide, live-suggestions search box)
========================================================== */

.header-search-wrap{
    position:relative;
    order:5;
    flex:1 1 100%;
    width:100%;
    max-width:820px;
    margin:2px auto 0;
}

.header-search{
    display:flex;
    align-items:stretch;
    width:100%;
    background:#f8fafc;
    border:2px solid #dbe4f0;
    border-radius:999px;
    box-shadow:0 2px 8px rgba(15,23,42,.05);
    transition:border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.header-search:focus-within{
    border-color:#2563eb;
    background:#fff;
    box-shadow:0 8px 24px rgba(37,99,235,.18);
}

.header-search input[type="search"]{
    flex:1 1 auto;
    width:100%;
    height:56px;
    padding:0 22px 0 50px;
    font-size:16px;
    border:none;
    background:transparent url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='11' cy='11' r='8'/%3E%3Cline x1='21' y1='21' x2='16.65' y2='16.65'/%3E%3C/svg%3E") no-repeat 20px center;
    outline:none;
    border-radius:999px 0 0 999px;
}

.header-search input[type="search"]::placeholder{
    color:#94a3b8;
}

.header-search button{
    display:flex;
    align-items:center;
    justify-content:center;
    gap:8px;
    height:50px;
    padding:0 30px;
    border:none;
    background:linear-gradient(135deg,#2563eb,#1d4ed8);
    color:#fff;
    font-weight:700;
    font-size:15px;
    border-radius:999px;
    margin:3px;
    cursor:pointer;
    transition:background 0.2s ease, transform 0.15s ease;
}

.header-search button:active{
    transform:scale(0.97);
}

.header-search button:hover{
    background:#1d4ed8;
}

.header-search input[type="search"]:focus-visible{
    outline:none;
}

@media(max-width:900px){
    .header-search-wrap{
        order:3;
        flex:1 1 100%;
        max-width:100%;
        margin:10px 0 0;
    }
}

/* ==========================================================
   RESPONSIVE NAVIGATION
========================================================== */

@media(max-width:768px){

    .nav{
        flex-direction:column;
        align-items:stretch;
        gap:12px;
    }

    .logo a{
        font-size:26px;
        justify-content:center;
    }

    .header nav{
        flex-direction:column;
        align-items:stretch;
        gap:10px;
    }

    nav a{
        margin:0;
        text-align:center;
        padding:8px 0;
        border-bottom:1px solid #eef2f7;
    }

    .header-cta{
        text-align:center;
    }

    .header-cta a{
        display:block;
    }

    .site-logo{
        width:180px;
    }
}

/* ==========================================================
   HERO
========================================================== */

.hero{
    background:linear-gradient(135deg,#2563eb,#1d4ed8);
    color:white;
    text-align:center;
    padding:100px 20px;
}

.hero h1{
    font-size:48px;
    margin-bottom:20px;
}

.hero p{
    font-size:20px;
    margin-bottom:20px;
    max-width:800px;
    margin-left:auto;
    margin-right:auto;
}

.trust-badges{
    margin-bottom:30px;
    font-size:15px;
    opacity:0.95;
}

.compare-box{
    background:white;
    padding:30px;
    border-radius:15px;
    max-width:800px;
    margin:auto;
}

.compare-box input,
.compare-box select,
.compare-box button{
    width:100%;
    padding:14px;
    margin-bottom:12px;
}

.compare-box button{
    background:#2563eb;
    color:white;
    border:none;
    cursor:pointer;
    border-radius:8px;
    font-weight:700;
}

/* ==========================================================
   HERO CATEGORY PICKER
========================================================== */

.hero-categories{
    margin-top:60px;
    color:#fff;
}

.hero-categories h2{
    font-size:32px;
    margin-bottom:12px;
}

.hero-categories > p{
    max-width:700px;
    margin:0 auto 30px;
    opacity:0.95;
}

.hero-category-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(180px,1fr));
    gap:20px;
}

.hero-category-card{
    display:block;
    background:rgba(255,255,255,0.12);
    border:1px solid rgba(255,255,255,0.3);
    border-radius:16px;
    padding:28px 16px;
    text-align:center;
    color:#fff;
    font-size:34px;
    transition:0.25s ease;
}

.hero-category-card:hover{
    background:rgba(255,255,255,0.22);
    transform:translateY(-4px);
}

.hero-category-card h3{
    font-size:18px;
    margin:10px 0 6px;
}

.hero-category-card span{
    font-size:14px;
    opacity:0.9;
}

/* ==========================================================
   QUOTE CTA
========================================================== */

.quote-cta{
    background:#0f172a;
    color:#fff;
    text-align:center;
    padding:70px 20px;
}

.quote-cta h2{
    font-size:32px;
    margin-bottom:14px;
}

.quote-cta p{
    max-width:700px;
    margin:0 auto 30px;
    opacity:0.9;
}

.quote-buttons{
    display:flex;
    justify-content:center;
    gap:18px;
    flex-wrap:wrap;
}

.btn-primary,
.btn-secondary{
    display:inline-block;
    padding:16px 32px;
    border-radius:8px;
    font-weight:700;
    text-decoration:none;
    transition:0.2s ease;
}

.btn-primary{
    background:#2563eb;
    color:#fff;
}

.btn-primary:hover{
    background:#1d4ed8;
}

.btn-secondary{
    background:transparent;
    color:#fff;
    border:2px solid rgba(255,255,255,0.6);
}

.btn-secondary:hover{
    background:rgba(255,255,255,0.1);
}

/* ==========================================================
   GENERIC CONTENT SECTIONS
========================================================== */

.trust,
.steps,
.features,
.seo,
.popular-guides,
.latest-guides,
.recently-updated,
.our-promise,
.editorial-standards,
.why-prime{
    padding:80px 20px;
    text-align:center;
}

.trust{ background:#fff; }
.steps{ background:#f8fafc; }
.popular-guides{ background:#fff; }
.recently-updated{ background:#f8fafc; }
.our-promise{ background:#fff; }
.why-prime{ background:#fff; }
.editorial-standards{ background:#f8fafc; }

.section-intro{
    max-width:760px;
    margin:0 auto 30px;
    color:#475569;
    font-size:17px;
    line-height:1.7;
}

.step-grid,
.feature-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
    gap:20px;
    margin-top:30px;
}

.step,
.feature-grid div{
    background:white;
    padding:25px;
    border-radius:12px;
    box-shadow:0 4px 15px rgba(0,0,0,0.08);
}

.feature-grid a.feature-card{
    display:block;
    background:#fff;
    padding:28px 22px;
    border-radius:14px;
    box-shadow:0 4px 15px rgba(0,0,0,0.08);
    color:#222;
    text-align:left;
    transition:0.25s ease;
}

.feature-grid a.feature-card:hover{
    transform:translateY(-4px);
    box-shadow:0 10px 30px rgba(15,23,42,0.12);
}

.feature-grid a.feature-card h3{
    color:#0f172a;
    margin-bottom:10px;
}

.feature-grid a.feature-card span{
    color:#2563eb;
    font-weight:600;
    font-size:14px;
}

/* ==========================================================
   FOOTER
========================================================== */

.footer{
    background:#0f172a;
    color:white;
    padding:60px 20px 30px;
}

.footer-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(220px,1fr));
    gap:30px;
}

.footer-col h3,
.footer-col h4{
    margin-bottom:14px;
}

.footer-col p{
    color:rgba(255,255,255,0.75);
    font-size:15px;
    line-height:1.7;
}

.footer a{
    color:rgba(255,255,255,0.85);
    text-decoration:none;
    display:block;
    margin-top:8px;
    font-size:15px;
}

.footer a:hover{
    color:#fff;
}

.footer-bottom{
    text-align:center;
    margin-top:40px;
    padding-top:20px;
    border-top:1px solid rgba(255,255,255,0.12);
    color:rgba(255,255,255,0.6);
    font-size:14px;
}

/* ==========================================================
   STATS
========================================================== */

.stats{
    padding:80px 20px;
    background:#ffffff;
    text-align:center;
}

.stats h2{
    margin-bottom:40px;
    font-size:36px;
}

.stats-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(220px,1fr));
    gap:25px;
}

.stat-card{
    background:#f8fafc;
    padding:35px 25px;
    border-radius:15px;
    box-shadow:0 4px 15px rgba(0,0,0,0.08);
}

.stat-card h3{
    color:#2563eb;
    font-size:42px;
    margin-bottom:10px;
}

.stat-card p{
    font-size:16px;
    color:#555;
}

/* ==========================================================
   WHY / EDITORIAL / TRUST GRIDS
========================================================== */

.why-grid,
.editorial-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
    gap:25px;
    margin-top:40px;
}

.why-card,
.editorial-card{
    background:#f8fafc;
    padding:30px;
    border-radius:15px;
    box-shadow:0 4px 15px rgba(0,0,0,0.08);
    text-align:left;
}

.why-card h3,
.editorial-card h3{
    margin-bottom:15px;
    color:#2563eb;
}

.editorial-card{
    background:#ffffff;
}

/* ==========================================================
   GUIDES GRID
========================================================== */

.guides-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
    gap:25px;
    margin-top:40px;
}

.guide-card{
    display:block;
    background:#ffffff;
    padding:25px;
    border-radius:15px;
    text-decoration:none;
    color:#222;
    text-align:left;
    box-shadow:0 5px 20px rgba(0,0,0,0.08);
    transition:0.3s;
}

.guide-card:hover{
    transform:translateY(-5px);
}

.guide-card h3{
    color:#2563eb;
    margin-bottom:10px;
    font-size:22px;
}

.guide-card p{
    color:#555;
    line-height:1.6;
}

/* ==========================================================
   FAQ
========================================================== */

.faq-section{
    padding:80px 20px;
    background:#ffffff;
}

.faq-section h2{
    text-align:center;
    margin-bottom:40px;
    font-size:36px;
}

.faq-item{
    background:#f8fafc;
    padding:25px;
    margin-bottom:20px;
    border-radius:12px;
    box-shadow:0 4px 15px rgba(0,0,0,0.08);
}

.faq-item h3{
    color:#2563eb;
    margin-bottom:10px;
}

/* ==========================================================
   LEGAL PAGES
========================================================== */

.legal-content{
    padding:80px 0 100px;
}

.legal-content .container{
    max-width:900px;
    margin:auto;
}

.legal-content h1{
    font-size:48px;
    margin-bottom:20px;
    color:#111827;
}

.legal-content h2{
    font-size:30px;
    margin-top:45px;
    margin-bottom:15px;
    color:#111827;
}

.legal-content p{
    font-size:18px;
    line-height:1.9;
    margin-bottom:24px;
    color:#444;
}

.legal-content strong{
    color:#111827;
}

@media(max-width:768px){
    .hero h1{ font-size:32px; }
    .hero p{ font-size:17px; }
    .stats h2,
    .quote-cta h2,
    .hero-categories h2{ font-size:26px; }
    .legal-content h1{ font-size:32px; }
}

/* ==========================================================
   HEADER SEARCH SUGGESTIONS (live homepage/blog search)
========================================================== */

a:focus-visible,
button:focus-visible,
input:focus-visible{
    outline:3px solid #2563eb;
    outline-offset:2px;
}

.search-suggestions{
    list-style:none;
    margin:0;
    padding:0;
    position:absolute;
    top:calc(100% + 8px);
    left:0;
    right:0;
    background:#fff;
    border:1px solid #e2e8f0;
    border-radius:14px;
    box-shadow:0 12px 28px rgba(15,23,42,.16);
    max-height:380px;
    overflow-y:auto;
    z-index:50;
    display:none;
}

.search-suggestions.is-open{
    display:block;
}

.search-suggestions li{
    border-bottom:1px solid #eef2f7;
}

.search-suggestions li:first-child a{
    border-radius:14px 14px 0 0;
}

.search-suggestions li:last-child{
    border-bottom:none;
}

.search-suggestions li:last-child a{
    border-radius:0 0 14px 14px;
}

.search-suggestions a{
    display:block;
    padding:12px 18px;
    text-decoration:none;
    color:#0f172a;
    font-size:14px;
}

.search-suggestions a small{
    display:block;
    color:#64748b;
    font-size:12px;
    font-weight:400;
    margin-top:2px;
}

.search-suggestions a:hover,
.search-suggestions a:focus-visible,
.search-suggestions li.is-active a{
    background:#eff6ff;
}

.search-suggestions mark{
    background:#dbeafe;
    color:#1d4ed8;
    border-radius:3px;
    padding:0 1px;
}

.search-suggestions .no-results{
    padding:14px 18px;
    color:#64748b;
    font-size:14px;
}

.search-results-banner{
    background:#eff6ff;
    border:1px solid #dbeafe;
    border-radius:10px;
    padding:14px 18px;
    margin-bottom:24px;
    font-size:15px;
}

.search-no-results{
    background:#fff;
    border:1px solid #e2e8f0;
    border-radius:10px;
    padding:20px;
}

/* ==========================================================
   PAGE META (last reviewed / byline)
========================================================== */

.page-meta{
    color:#64748b;
    font-size:14px;
    margin-top:10px;
}

.page-meta a{
    color:#2563eb;
}

/* ==========================================================
   BLOG SEARCH RESULTS (/blog/?s=query)
========================================================== */

.search-results-banner{
    background:#eff6ff;
    border:1px solid #dbe4f0;
    border-radius:8px;
    padding:16px 20px;
    margin-bottom:24px;
    text-align:left;
}

.search-results-banner p{
    margin:0;
    color:#334155;
    font-size:15px;
}

.search-results-banner strong{
    color:#0f172a;
}

.search-no-results{
    text-align:center;
    padding:40px 20px;
}

/* ==========================================================
   HTML SITEMAP PAGE
========================================================== */

.sitemap-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(240px,1fr));
    gap:30px;
    text-align:left;
    margin-top:20px;
}

.sitemap-col h3{
    margin-bottom:12px;
    color:#0f172a;
}

.sitemap-col ul{
    list-style:none;
}

.sitemap-col li{
    margin-bottom:8px;
}

.sitemap-col a{
    color:#2563eb;
    text-decoration:none;
    font-size:15px;
}

.sitemap-col a:hover{
    text-decoration:underline;
}

/* ==========================================================
   INSURANCE CALCULATORS
========================================================== */

.calc-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(320px,1fr));
    gap:28px;
    margin-top:10px;
}

.calc-card{
    background:#fff;
    border:1px solid #e2e8f0;
    border-radius:16px;
    padding:28px;
    box-shadow:0 4px 16px rgba(15,23,42,0.05);
}

.calc-card h2{
    font-size:20px;
    margin-bottom:6px;
    color:#0f172a;
}

.calc-card > p{
    color:#64748b;
    font-size:14px;
    margin-bottom:18px;
}

.calc-fieldset{
    border:none;
    margin-bottom:14px;
}

.calc-fieldset legend{
    font-weight:700;
    font-size:14px;
    color:#2563eb;
    margin-bottom:8px;
    padding:0;
}

.calc-field{
    margin-bottom:12px;
}

.calc-field label{
    display:block;
    font-size:13px;
    font-weight:600;
    color:#334155;
    margin-bottom:4px;
}

.calc-field input,
.calc-field select{
    width:100%;
    padding:10px 12px;
    border:2px solid #dbe4f0;
    border-radius:8px;
    font-size:15px;
    background:#f8fafc;
}

.calc-field input:focus,
.calc-field select:focus{
    outline:none;
    border-color:#2563eb;
    background:#fff;
}

.calc-btn{
    width:100%;
    background:#2563eb;
    color:#fff;
    border:none;
    padding:14px;
    border-radius:10px;
    font-weight:700;
    font-size:15px;
    cursor:pointer;
    transition:background 0.2s ease;
}

.calc-btn:hover{
    background:#1d4ed8;
}

.calc-result{
    margin-top:18px;
    padding:18px;
    background:#eff6ff;
    border:1px solid #dbeafe;
    border-radius:10px;
}

.calc-result-row{
    display:flex;
    justify-content:space-between;
    align-items:center;
    padding:8px 0;
    border-bottom:1px solid #dbeafe;
    font-size:15px;
}

.calc-result-row:last-of-type{
    border-bottom:none;
}

.calc-result-row strong{
    color:#1d4ed8;
    font-size:18px;
}

.calc-note{
    margin-top:12px;
    font-size:13px;
    color:#64748b;
    line-height:1.6;
}

.calc-note a{
    color:#2563eb;
}

.calc-warning{
    margin-top:12px;
    padding:10px 14px;
    background:#fef2f2;
    border-left:4px solid #dc2626;
    border-radius:6px;
    font-size:13px;
    color:#7f1d1d;
}

.calc-disclaimer{
    background:#f8fafc;
    border:1px solid #e2e8f0;
    border-radius:10px;
    padding:18px 22px;
    font-size:14px;
    color:#475569;
    margin-top:30px;
}

/* ==========================================================
   RELATED CARDS & BOTTOM CTA (shared, used on utility pages)
========================================================== */

.related-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
    gap:20px;
    margin-top:20px;
}

.related-card{
    display:block;
    text-decoration:none;
    background:#fff;
    border-radius:14px;
    padding:24px;
    box-shadow:0 4px 15px rgba(15,23,42,0.06);
    transition:0.25s ease;
    border:1px solid #e2e8f0;
}

.related-card:hover{
    transform:translateY(-4px);
    box-shadow:0 10px 30px rgba(15,23,42,0.1);
}

.related-card h3{
    font-size:18px;
    color:#0f172a;
    margin-bottom:8px;
}

.related-card p{
    color:#64748b;
    font-size:14px;
}

.bottom-cta{
    background:linear-gradient(135deg,#2563eb,#1d4ed8);
    color:#fff;
    text-align:center;
    padding:60px 24px;
    border-radius:24px;
    margin:50px auto;
    max-width:1200px;
    width:90%;
}

.bottom-cta h2{
    font-size:28px;
    margin-bottom:14px;
}

.bottom-cta p{
    color:#dbeafe;
    max-width:640px;
    margin:0 auto 24px;
}

.cta-button{
    display:inline-block;
    background:#fff;
    color:#2563eb;
    font-weight:700;
    padding:14px 30px;
    border-radius:8px;
    text-decoration:none;
}

.cta-button:hover{
    background:#eff6ff;
}